LIMITED WARRANTIES. IT PAYS TO COMPARE.
|
|
- Thomas Richard
- 5 years ago
- Views:
Transcription
1 LIMITED WARRANTIES. IT PAYS TO COMPARE.
2 Shingles begin to age as soon as they are exposed to nature. Buildings experience aging factors differently, so it is difficult to predict how long shingles will last. That s why TAMKO provides a Limited Warranty. Go to tamko.com for details or call us at ALL LIMITED WARRANTIES AREN T CREATED EQUAL. To determine the value of a limited warranty, consider how the limited warranty coverage is affected by: 1. Non-prorated Full Start Period Labor and shingles are covered at 100% Years Term Total amount of time the shingle is covered (Example: 30-year, 50-year, Lifetime) 2. Prorated Coverage Period Labor is no longer covered Shingles coverage is prorated TAMKO OFFERS A 15- TO 20-YEAR N ON-PRORATED FULL START PERIOD. (LABOR + SHINGLES) Labor cost does not include tear-off, removal or disposal of shingles. See TAMKO s Limited Warranty for complete details.
3 Heritage Series Shingles Limited Warranties Offer a 15- to 20-Year Full Start Period. It s not the length of the limited warranty that matters most. It s the length of the Full Start Period. Heritage Series shingles offer a 15- to 20-year Full Start Period the critical period of time in which both shingles and the labor to install them are covered at 100%. Labor does not include tear-off, removal or disposal. See TAMKO s Limited Warranty for complete details. Take a look at the chart below to learn more about the Limited Warranty for all Heritage Series shingles. Full Start Period (Non-prorated period) Heritage Heritage Woodgate Heritage Premium Heritage Vintage 15-year 15-year 20-year 20-year Limited Warranty Length 30-year 30-year 50-year 50-year Warranty coverage is the same for all types of structures VALUE OF COVERAGE Limited Warranty Value Comparison Example TAMKO Heritage Premium Limited Warranty Most Standard Lifetime Warranties $10,000 $8,000 $6,000 $4,000 $2,000 Compare for Yourself. While most standard lifetime warranties drop coverage significantly after 10 years, Heritage Series shingles offer a 15- to 20- year Full Start Period. $ COVERAGE OVER TIME 50 Example based on a 35-square roof installation with $115/square shingle cost plus $150/square labor cost Discover the value of having years of Full Start coverage. Use the worksheet or our online calculator at tamko.com/warrantycalculator
4 ADD UP THE COVERAGE Most standard lifetime warranties (with 10-year non-prorated protection period) vs. the Heritage Series 15-year Full Start Period. Example of estimated shingle and labor costs for the average roof Cost per square X # of squares = Total Shingle cost $ 98 X 35 = $ 3,430 Labor cost $ 150 X 35 = $ 5,250 Total cost of shingles & labor: $ 8,680 The Coverage Over Time Most Standard Lifetime Warranties (Applies only to single family structures*) Heritage Series Limited Warranties 1 10 years $8,680 $8,680 Beginning of Year 11 example Subtract the labor costs** - $5,250 $0 Subtract shingle usage (20%***) - $686 $0 Value of coverage (year 11) $2,744 $8,680 Beginning of Year 15 example Subtract the labor costs** - $5,250 $0 Subtract shingle usage (28%***) - $ $0 Value of coverage (year 15) $2, $8,680 The choice is yours. Which would you prefer: 20% Coverage after 40 Years Coverage is reduced by 80% after 40 years. Most standard lifetime warranties leave you covered by only $ in the example above. or Years Full Start Coverage Labor and shingles are covered for years of ownership, which translates to thousands of dollars more coverage (TAMKO Limited Warranty). This example is based on most standard lifetime warranties and TAMKO s Limited Warranty. This is only an example. Actual costs of shingles will vary by type and region. Installation labor costs will also vary by region, complexity of roof, roof slope, walkability, number of stories, etc. Labor cost does not include tear-off, removal or disposal of shingles. See TAMKO s Limited Warranty for complete details.
5 DIFFERENCE Your roof s estimated costs for shingles and labor Do the math for yourself to see how much more Full Start coverage TAMKO provides. Cost per square X # of squares = Shingle cost $ X = $ Labor cost $ X = $ Total Total cost of shingles & labor: The Coverage Over Time Most Standard Lifetime Warranties (Applies only to single family structures*) Heritage Series Limited Warranties 1 10 years $ $ Beginning of Year 11 Subtract the labor costs** - $ $ 0 Subtract shingle usage (20%***) - $ $ 0 Value of coverage (year 11) $ $ Beginning of Year 15 Subtract the labor costs** - $ $ 0 Subtract shingle usage (28%***) - $ $ 0 Value of coverage (year 15) $ $ *Most standard lifetime warranties reduce their coverage on buildings that are not single family residential. Most only provide 5 years of non-prorated coverage, and most terms end at 40 years. To see the difference TAMKO s Full Start Period makes, see our Multifamily Brochure, or use our Multifamily Warranty calculator at tamko.com/multifamily or via our ShingleStyles App for ipad. **At the end of the Full Start Period, the labor costs are subtracted from the coverage. ***At the end of the Full Start Period, the shingle usage is calculated and subtracted from the shingle cost: To calculate shingle usage, take the total elapsed months from the installation date and divide by the total months of the Limited Warranty. Most standard lifetime warranties limit the warranty length to 600 months (50 years) with a 10-year full start period on single family applications, so you would divide by 600. For example, if you have owned your building for 10 years, at the beginning of your 11th year your shingle usage would be: 12 months x 10 years = 120 months. 120 months 600 months =.20, or 20% shingle usage. The total months of the Limited Warranty for Heritage Premium or Heritage Vintage shingles is 600 months (50 years) with a 20-year Full Start Period, so you would divide by 600 at the beginning of the 21st year. The total months of the Limited Warranty for Heritage Woodgate and Heritage is 360 months (30 years) with a 15-year Full Start Period, so you would divide by 360 at the beginning of the 16th year.
6 Heritage Series Limited Warranty Coverage Heritage Heritage Woodgate Heritage Premium Heritage Vintage Full Start Period (Non-prorated Period) 15-year 15-year 20-year 20-year Limited Warranty Length 30-year 30-year 50-year 50-year Warranty coverage is the same for all types of structures Standard (4-Nail ) Application Wind Warranty mph High Wind (6-Nail) Application Wind Warranty mph 110 mph 110 mph 110 mph 110 mph 130 mph 130 mph 130 mph 130 mph Limited Wind Warranty Term 15-year 15-year 15-year 15-year UL Listed for Class A Fire Rating: UL 790/ASTM E 108, Class A UL Classified for Wind Resistance: ASTM D 7158, Class H and ASTM D 3161, Class F UL Classified in Accordance with: ASTM D 3462 and ICC-ES Acceptance Criteria AC438 UL Evaluation Reports: UL ER and UL ER Florida Building Code Approved: FL 1956 At home or on the go, let the computer do the math for you with these two interactive versions of TAMKO s Limited Warranty Calculator. + + Add up the value for yourself. Use the calculator at TAMKO.com/WarrantyCalculator Download the Shingle Styles app for ipad in the Apple App Store, or visit TAMKO.com/ShingleStyles Building products for the professional. tamko.com Heritage Vintage standard application requires 5 nails. High Wind Application means the application of Heritage Series laminated shingles in strict accordance with application instructions installed with 6 fasteners in the locations specified for high wind and using TAMKO starter shingles including sealant strip at the eaves and rakes TAMKO Building Products, Inc. TAMKO, Heritage, Woodgate and Vintage are registered trademarks of TAMKO Building Products, Inc. Apple, the Apple logo and ipad are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc
Coverage during the Total Protection Period
Extended Warranty WHAT DOES THE EXTENDED LIMITED WARRANTY COVER? Building Products of Canada Corp. ( BP ) warrants to the owner(s) of the property on which a BP Weather-Tite TM ( WT ) Roofing System is
More informationIKO Asphalt Shingle Limited Warranty
IKO Asphalt Shingle Limited Warranty Congratulations on your purchase of IKO asphalt roof Shingles. Your choice gives you a roof backed by over 50 years of experience in making high quality products for
More informationStandard Product Limited Warranty. on Roofing Shingles
Standard Product Limited Warranty on Roofing Shingles Standard Product Limited This warranty includes limitations on its trans THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER
More informationApplication and Information for Limited Extended Warranty On ShieldPRO PLUS + Installed Asphalt Shingles
Application and Information for Limited Extended On ShieldPRO PLUS + Installed Asphalt Shingles IC - IMPORTANT INFORMATION: AN IKO APPROVED SHIELDPRO PLUS+ TM ROOFING CONTRACTOR MUST SUBMIT AN APPLICATION
More informationARLINGTON TOWNSHIP BIDS FOR ROOF REPLACEMENT
ARLINGTON TOWNSHIP BIDS FOR ROOF REPLACEMENT PROJECT SPECIFICATIONS (to be available at Township Hall and posted on website) Arlington Township is soliciting bids to provide supervision, labor, equipment,
More informationSAMPLE. Application and Information for Extended Limited Warranty On RoofPRO Installed Asphalt Shingles
CC - Application and Information for Extended Limited Warranty On RoofPRO Installed Asphalt Shingles IMPORTANT INFORMATION: A CRC APPROVED ROOFPRO ROOFING CONTRACTOR MUST SUBMIT AN APPLICATION FOR THIS
More informationTotal Protection Roofing System ^ Limited Warranty
Total Protection Roofing System ^ Limited Warranty Warranty Registration & Transfer Information TO REGISTER THIS WARRANTY: Visit our website at: http://www.owenscorning.com/roofing/warranty-101 In order
More informationTotal Protection Roofing System ^ Limited Warranty
Total Protection Roofing System ^ Limited Warranty Total Protection Roofing S This warranty includes limitations on its THIS WARRANTY GIVES YOU SPECIFIC LEGAL RIGHTS, AND YOU MAY ALSO HAVE OTHER RIGHTS
More informationHomeowner s Guide. Choosing a Professional Roofer
Homeowner s Guide Choosing a Professional Roofer Reroofing is a process you may not be familiar with until it becomes time to replace the roof on your own home. And even then, there s a lot to learn about
More informationLIMITED LIFETIME WARRANTY
LIMITED LIFETIME WARRANTY 1.0 Limited Lifetime Warranty Refers to the length of time the original purchaser has coverage for when installed on a single family detached residence owned by an individual
More informationH o m e o w n e r s G u i d e. Choosing a Professional Roofer
H o m e o w n e r s G u i d e Choosing a Professional Roofer Reroofing is a process you may not be familiar with until it becomes time to replace the roof on your own home. And even then, there s a lot
More informationSOLARUS, INC. 15 YEAR LIMITED WARRANTY SOLAR THERMAL EVACUATED TUBE COLLECTOR DATED AS OF JANUARY 1, 2011
SOLARUS, INC. 15 YEAR LIMITED WARRANTY SOLAR THERMAL EVACUATED TUBE COLLECTOR DATED AS OF JANUARY 1, 2011 This Limited Warranty is issued by SolarUS, Inc. ( SolarUS ) and applies to solar thermal evacuated
More informationIndustrial Security Integrators, Saving for retirement may be the easiest part of your day.
Industrial Security Integrators, Saving for retirement may be the easiest part of your day. Welcome to the plan. RELAX, YOU VE GOT COMPANY ON THE ROAD TO RETIREMENT. No matter where you are on the road
More informationInvoice. Lifetime Roofing 890 West Center St. #5 North Salt Lake, UT Office Phone:
Invoice Lifetime Roofing 890 West Center St. #5 North Salt Lake, UT 84054 Office Phone: 801-928-8881 office@lifetimeroofingutah.com Bill To Benny Cordova Jr 12659 Bridgecreek Way Draper, UT 84020 Mobile
More informationIKO/CRC/CANROOF ORGANIC ROOFING SHINGLES CANADIAN CLASS ACTION NOTICE OF SETTLEMENT APPROVAL AND CLAIMS PROCESS
IKO/CRC/CANROOF ORGANIC ROOFING SHINGLES CANADIAN CLASS ACTION NOTICE OF SETTLEMENT APPROVAL AND CLAIMS PROCESS READ THIS NOTICE CAREFULLY AS IT MAY AFFECT YOUR RIGHTS This Notice is directed at persons
More informationGetting started. Introducing your account
Getting started Introducing your account 2 Welcome to banking designed to suit your taste When it comes to banking, we don t believe one size fits all. That s why in addition to our regular Bank Account,
More informationThe Florida Public Hurricane Loss Model Selected Results
The Florida Public Hurricane Loss Model Selected Results Shahid S. Hamid, Ph.D., CFA PI, Hurricane Loss Projection Model Professor of Finance, College of Business, and Director, Laboratory for Insurance,
More informationMake the most of your Retirement Rewards
Make the most of your Retirement Rewards Understanding your Retirement Program Sisters of Charity of Leavenworth Health System, Inc. All rights reserved. 1 2 Why Save For The Future? A financially secure
More informationTHERMAX Wall System Gold Warranty 15 year Thermal + 15 year Water Resistance + 6 month Exposure
THERMAX Wall System Gold Warranty 15 year Thermal + 15 year Water Resistance + 6 month Exposure THERMAX Wall System Limited Warranties The Dow Chemical Company ( Dow ) provides the following five (5) limited
More informationManaging your money. Discussing your finances. Tips to help you stay in control of your current account and credit card
Discussing your finances We know that sometimes you may find yourself in a difficult financial position where you need some help. If you re worried that you may start to have financial difficulties or
More informationContractor Name Main Street Anytown, ST Joe Businessowner 5678 Industrial Ave., Anytown, ST 12345
Contractor Name 1234 Main Street Anytown, ST 12345 123-456-7890 contractor@email.com Joe Businessowner 5678 Industrial Ave., Anytown, ST 12345 PROPERTY INFORMATION SUMMARY Latitude 35.92391 Longitude -94.96835
More informationRe-Shingle And Firewall Wraps At SUNNYSIDE ES STEDMAN ES LILLIAN BLACK ES CUMBERLAND COUNTY BOARD OF EDUCATION
Re-Shingle And Firewall Wraps At SUNNYSIDE ES STEDMAN ES LILLIAN BLACK ES FAYETTEVILLE, NORTH CAROLINA May 05, 2017 FOR THE CUMBERLAND COUNTY BOARD OF EDUCATION GREG WEST, CHAIR DONNA VANN, VICE CHAIR
More informationThank you for your interest in a Medicare Supplement plan from Amerigroup Insurance Company.
October 17, 2018 2:29 PM EBro_MS-bracketed-TX_AG_ADVBR01(18)-TX (Rev 10-16-2018)-data-2019mnocs Thank you for your interest in a Medicare Supplement plan from Amerigroup Insurance Company. We understand
More informationThank you for your interest in a Medicare Supplement plan from Amerigroup Insurance Company.
Thank you for your interest in a Medicare Supplement plan from Amerigroup Insurance Company. We understand that Original Medicare can be overwhelming our objective is to make this process as simple and
More informationWelcome to your CIBC Dividend Visa* Card
Welcome to your CIBC Dividend Visa* Card Banking that fits your life. Turn your everyday spending into cash back rewards Get started with your new cash back card 1. Activate your card Activate your card
More informationWorkplace Education Series. NetBenefits Overview: Get answers to your questions about retirement
NetBenefits Overview: Get answers to your questions about retirement Welcome More than just a place to check your account balance NetBenefits provides the information, education, and functionality you
More informationGetting started. Introducing your account
Getting started Introducing your account 2 Welcome to banking designed to suit your taste When it comes to banking, we don t believe one size fits all. That s why in addition to our regular Bank Account,
More informationMARKETING NSP HOMES FROM OUTREACH TO CLOSING FLORIDA HOUSING COALITION ANNUAL CONFERENCE SEPTEMBER 27, 2011 GLADYS SCHNEIDER
MARKETING NSP HOMES FROM OUTREACH TO CLOSING FLORIDA HOUSING COALITION ANNUAL CONFERENCE SEPTEMBER 27, 2011 GLADYS SCHNEIDER MARKETING NSP HOMES NSP Benchmarks! Marketing 101! Marketing Strategies! Q&A!
More informationSafeguardElite SM 7 fixed index annuity
SafeguardElite SM 7 fixed index annuity Innovative safeguards and elite benefits 27589Z REV 10-18 Steady progress, ready defenses SafeguardElite SM 7 fixed index annuity offers a combination of features
More informationINDEX EDGESM Deferred, Fixed Indexed Annuity
PACIFIC INDEX EDGESM Deferred, Fixed Indexed Annuity FAC0158-0317 This page must be accompanied by the Pacific Index Edge Brochure (FAC0158) Please note the following updates apply to newly issued contracts
More informationCitizens Opening Protection Requirements for Homes in the Wind-Borne Debris Region (WBDR)
1. What is all of this about? The Florida Legislature passed a law about the types of policies Citizens may insure. This law goes into effect in 2009, and affects policies that cover homes with a replacement
More informationNorth American Charter SM Plus II
North American Charter SM Plus II Annuity Disclosure Statement Thank you for your interest in the North American Charter SM Plus II Annuity from North American Company for Life and Health Insurance. It
More informationCIBC Insurance DriveSmart Program Terms and Conditions
Your Automobile Insurance Program Terms and Conditions Policy Change Form 536 021 (2017-09) W CIBC Insurance DriveSmart Program Terms and Conditions Glossary Application refers to: CIBC Insurance DriveSmart
More informationWhen life happens, we ve got your back. Sprint's exclusive program to optimize your connected life. $29
When life happens, we ve got your back. Sprint's exclusive program to optimize your connected life. $29 cracked screen repairs for eligible smartphones and more with Sprint Complete! 3 Available for select
More informationNAC IncomeChoice 7 Fixed Index Annuity
NAC IncomeChoice 7 Fixed Index Annuity The income you need, the potential you want 25431Z REV 1-18 Go for a retirement paycheck big enough for your life For all the tough choices you ve had to make in
More informationNAC IncomeChoice 10 fixed index annuity
NAC IncomeChoice 10 fixed index annuity The income you need, the potential you want 25432Z-20 REV 1-19 Go for a retirement paycheck big enough for your life For all the tough choices you ve had to make
More informationINDEX EDGE A Deferred, Fixed Indexed Annuity
PACIFIC INDEX EDGE A Deferred, Fixed Indexed Annuity FAC0158-0918 This page must be accompanied by the Pacific Index Edge Client Guide (FAC0158). 5-YEAR PARTICIPATION RATE WITH SPREAD INTEREST-CREDITING
More informationDR-15EZ Sales and Use Tax Returns
Instructions for DR-15EZ Sales and Use Tax Returns DR-15EZN R. 01/18 Rule 12A-1.097 Florida Administrative Code Effective 01/18 Are you Eligible to Use a DR-15EZ Return? Businesses that: Pay $200,000 or
More informationKnow Your CHECKING ACCOUNT BROUGHT TO YOU BY
Know Your CHECKING ACCOUNT BROUGHT TO YOU BY Understanding OVERDRAFT An overdraft occurs when you spend more money than you have available in your checking account, resulting in a negative balance Most
More informationA new chapter for the Grand Valley State University retirement program
A new chapter for the Grand Valley State University retirement program Transition seminar topics Why we re here today Transition experience Updates to the new investment menu Retirement program features
More informationDR-15EZ Sales and Use Tax Returns
Instructions for DR-15EZ Sales and Use Tax Returns DR-15EZN R. 01/16 TC Rule 12A-1.097 Florida Administrative Code Effective 01/16 Are you Eligible to Use a DR-15EZ Return? Collection Allowance Our records
More informationSales and Use Tax Returns. Sales and Use Tax Return HD/PM Date: / / DR-15 R. 08/18 Florida 1. Gross Sales 2. Exempt Sales 3. Taxable Amount 4.
Instructions for DR-15 Sales and Use Tax Returns Rule 12AER18-07, F.A.C. Effective 08/18 Page 1 of 8 Lawful deductions (Line 6) cannot be more than tax due (Line 5). DOR credit memos and estimated tax
More informationINVITATION TO BID THE OWNER RESERVES THE RIGHT TO REJECT ANY OR ALL BIDS AND WAIVE ANY FORMALITIES.
INVITATION TO BID Arkansas Tech University Purchasing Department Young Building East End Tel: (479) 968-0269 203 West O Street Russellville, Arkansas 72801-2222 Fax: (479) 968-0633 Arkansas Tech University
More informationFort Myers/Lee County. Enterprise Zone. Lee County s Economic Development Office
Fort Myers/Lee County Enterprise Zone Lee County s Economic Development Office Bonita Springs ~ Cape Coral ~ Fort Myers ~ Fort Myers Beach ~ Sanibel Enterprise Zone Overview This brochure is provided by
More informationEducational Objectives (EO)
CPCU 500 Foundations of Risk Management and Insurance Chapter 1 Introduction to Risk Management Presented by Cathy Jo Morris, CPCU, FLMI, ACS Educational Objectives (EO) 1. Describe each of the following
More informationSPRI Roof System Listing Service Program
SPRI Roof System Listing Service Program John C. Greko Carlisle Construction Materials 1285 Ritner Hwy., Carlisle, PA 17013 Phone: 717-245-7325 E-mail: jgreko@carlislecm.com Ronald Reed, ASQ-CQA Intertek
More informationSTRUCTURAL PERFORMANCE TEST REPORT
STRUCTURAL PERFORMANCE TEST REPORT Client: Gallina USA, LLC. 245 E Madison Avenue Milton, WI 53563 Report No.: NCTL-210-3193-2 Test Date: 10/12/05 Report Date: 10/26/05 Test Specimen: 0.280 (7mm) Corrugated
More informationConsiderations When Developing Actuarially Sound Rates for Lender Placed Property Insurance
Considerations When Developing Actuarially Sound Rates for Lender Placed Property Insurance Sheri L. Scott, FCAS, MAAA Consulting Actuary, Milliman Inc. NAIC August 9, 2012 Meeting Discussion Topics 1.
More informationPENSIONS INVESTMENTS LIFE INSURANCE IRISH LIFE EMPOWER YOUR RETIREMENT GUIDE
PENSIONS INVESTMENTS LIFE INSURANCE IRISH LIFE EMPOWER YOUR RETIREMENT GUIDE CONTENTS IT S TIME TO SAVE FOR YOUR FUTURE 2 WHAT MAKES UP YOUR RETIREMENT SAVINGS 3 HOW YOUR CONTRIBUTIONS ARE INVESTED 6 BETTER
More informationPresenters. Bracken Engineering. Structures Disasters Forensics
Presenters Bill Bracken, PE John Minor, CGC Bracken Engineering Structures Disasters Forensics Hurricane Ike Pre & Post FIRM Ike Pre Firm Post Firm FEMA Background The NFIP requires the mortgage loans
More informationGraduate Bank Account. Wherever your journey takes you
Graduate Bank Account Wherever your journey takes you 2 Congratulations. All that studying is behind you and you re on the verge of an exciting new chapter. Yet in the middle of all this change, one thing
More informationMath 154 :: Elementary Algebra
Math 1 :: Elementar Algebra Section.1 Exponents Section. Negative Exponents Section. Polnomials Section. Addition and Subtraction of Polnomials Section. Multiplication of Polnomials Section. Division of
More informationSAMPLE C00000 MANUFACTURER S LIFETIME LIMITED WARRANTY
CAUTION Homeowners Please Read This First: Member Contractor/Installers agree to comply with the following requirements as a condition of maintaining their membership in the Cedar Shake and Shingle Bureau
More informationCut your dependent care bills!
Cut your dependent care bills! Dependent Care Flexible Spending Account Use pretax dollars to pay for dependent care and save. 24.02.306.1 C (12/07) Dependent Care Flexible Spending Account (FSA) If your
More informationSales and Use Tax Returns. File and pay electronically and on time to receive a collection allowance.
Instructions for DR-15 Sales and Use Tax Returns DR-15N R. 01/18 Rule 12A-1.097 Florida Administrative Code Effective 01/18 Lawful deductions (Line 6) cannot be more than tax due (Line 5). DOR credit memos
More informationLongbow Research Construction Materials Conference
Longbow Research Construction Materials Conference Mike Thaman Chairman of the Board and CFO May 30, 2007 Forward-looking Statement and Non-GAAP Measures This presentation contains forward-looking statements
More informationRINKER CR Interim Report 15 February Submitted to
Economic Impact Analysis and Evaluation of Property Insurance Rate Impacts Resulting from Potential Changes to the Florida Building Code from the ICC Base Code Provisions RINKER CR 2018 101 Interim Report
More information10X INVESTMENT GUIDE WHY SETTLE FOR LESS? INVESTMENTS
10X INVESTMENT GUIDE WHY SETTLE FOR LESS? INVESTMENTS THIS IS NOT A REHEARSAL. It is said that behaviour is truth. And the truth about 10X is rooted in its one, simple, optimal retirement solution. A simple
More information2017 Half-Year Results. Analysts Presentation 17 August 2017
Half-Year Results Analysts Presentation 17 August Disclaimer Waiver of liability. While we make every reasonable effort to use reliable information, we make no representation or warranty of any kind that
More informationCITY OF LAKE MARY, FLORIDA
CITY OF LAKE MARY, FLORIDA SINGLE FAMILY RESIDENCE FEE ESTIMATE PACKET I. Building Permit Fee Estimate II. Impact Fee Estimate THIS INFORMATION IS PROVIDED AS A WORKSHEET AND IS NOT A QUOTE. Charges provided
More informationFranklin Templeton 529 College Savings Plan OFFERED NATIONWIDE BY THE NEW JERSEY HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY
Franklin Templeton 529 College Savings Plan OFFERED NATIONWIDE BY THE NEW JERSEY HIGHER EDUCATION STUDENT ASSISTANCE AUTHORITY What Does the Future Hold? As soon as your child is born, you begin imagining
More informationThe Protection Advantage
The Protection Advantage Get the plan that works for you. Repair Replace Support Summary of Key Terms and Conditions Total Equipment Protection Plus (TEP Plus) is a combination of TEP and Tech Expert.
More informationMath 234 Spring 2013 Exam 1 Version 1 Solutions
Math 234 Spring 203 Exam Version Solutions Monday, February, 203 () Find (a) lim(x 2 3x 4)/(x 2 6) x 4 (b) lim x 3 5x 2 + 4 x (c) lim x + (x2 3x + 2)/(4 3x 2 ) (a) Observe first that if we simply plug
More informationMoney Management Curriculum Overview
Teaching Notes: The money management curriculum will help students understand their financial standing and create a plan that will help them succeed in improving their financial future. There are eight
More informationIncome 150+ SM. Fixed Index Annuity. Issued by Forethought Life Insurance Company. FIA1086 (05-16) Global Atlantic
Income 150+ SM Fixed Index Annuity Issued by Forethought Life Insurance Company FIA1086 (05-16) 100331-3 2016 Global Atlantic Your morning routine can last all day. Retirement is a special time when the
More informationMutual fund changes coming to the Defined Contribution Plan.
Smith College Mutual fund changes coming to the Defined Contribution Plan. Smith College is committed to providing you with a competitive Defined Contribution Plan that offers an opportunity to shape your
More informationFrequently Asked Questions Individual Short Term Disability (ISTD)
The purpose of this FAQ is to help you better understand the benefits and the claim process for the individual short term disability insurance policy you purchased at your workplace. The questions are
More informationHome Loan Advantage Package
Home Loan Advantage Package 1 2 ST.GEORGE HOME LOAN ADVANTAGE PACKAGE Take advantage of St.George Choosing a home loan is a big decision but it doesn t have to be hard. By making more of St.George, you
More informationSelf-Employed Borrower Basics
Self-Employed Borrower Basics Part I - Personal Tax Return Review October 2016 Genworth Mortgage Insurance Corporation 2016 Genworth Financial, Inc. All rights reserved. Agenda Business Income Concepts
More informationHomeGuard. Roof Inspection Report
510 Madera Ave. San Jose, CA 95112 (408) 993-1900 Fax (408) 993-1944 Contractors License No. 729266 Ordered by: Jeanette Cook Cook Properties 1534 Plaza Lane #234 Burlingame, CA 94010 Inspected by: Kenneth
More informationMOBILE REMOTE DEPOSIT SERVICES AGREEMENT
5/1/2018 1 MOBILE REMOTE DEPOSIT SERVICES AGREEMENT Mobile Deposit is designed to allow you to take a picture of your check ( original checks ) with a mobile device and upload it for deposit to your Citizens
More informationIt s your life and your retirement plan. Make it work for you.
It s your life and your retirement plan. Make it work for you. Your IMI 401(k) Plan Know what to do and when to do it. This information will help. With the IMI 401(k) Plan ( The Plan ), you can take charge
More informationTo navigate through this guide, a simpler, more streamlined way to help you manage your finances. Get started with your Online User s Guide.
To navigate through this guide, use the and buttons. View Welcome your User s to Guide a simpler, more streamlined way to help you manage your finances. Get started with your Online User s Guide. Welcome
More informationSEMINOLE TRIBE OF FLORIDA REQUEST FOR PROPOSALS
SEMINOLE TRIBE OF FLORIDA REQUEST FOR PROPOSALS Solicitation #: RFP 39-2017 Title: Description: Term/Duration: Pre-Bid/Proposal Conference: Roof Replacement (Seffner) Solicitation Release Date: February
More informationGet up to $750 with this exclusive offer
Get up to $750 with this exclusive offer For a Limited Time We invite you to take advantage of our Welcome Deposit offer for new customers of up to $750 for opening an eligible new HSBC checking account
More informationNAC VersaChoice SM 10 Fixed Index Annuity
NAC VersaChoice SM 10 Fixed Index Annuity Get the versatility you want and the flexibility life demands 26351Z PRT 10-17 Enhanced liquidity for whatever the future holds We can never know exactly what
More informationAmeriprise Mobile App
Ameriprise Mobile App Get the free Ameriprise app and get on-the-go access to your accounts and your advisor. So, no matter where your journey takes you, you can be confident knowing we're with you. This
More informationStock Market Indicators: S&P 500/400/600 Metrics Ratios
Stock Market Indicators: S&P 500/400/600 Metrics Ratios February 2, 2018 Dr. Edward Yardeni 516-972-7683 eyardeni@ Joe Abbott 732-497-5306 jabbott@ Mali Quintana 480-664-1333 aquintana@ Please visit our
More informationWebSitePulse Affiliate Program. Terms and Conditions
WebSitePulse Affiliate Program This Agreement contains the complete terms and conditions that apply to your participation in the WebSitePulse Affiliate Program (the PROGRAM). As used in this Agreement,
More informationSERVICES OVERVIEW Since 1947, the Donan name has been synonymous with integrity.
SERVICES OVERVIEW Since 1947, the Donan name has been synonymous with integrity. Today, Donan is a full-service, world class, forensic investigation firm with offices throughout most of the United States.
More informationVUL Protector PROTECTION. FLEXIBILITY. GROWTH. Issued by Pruco Life Insurance Company.
VUL Protector PROTECTION. FLEXIBILITY. GROWTH. Issued by Pruco Life Insurance Company. ICC14 VULNLG-2014; VULNLG-2014 NOT FOR USE IN CA. 0263083 [ML# ] 0263083-00001-00 Ed. 04/2014 Exp. 10/24/2015 ABOUT
More informationWe The Corporations How American Businesses Won Their Civil Rights
We The Corporations How American Businesses Won Their Civil Rights We have made it easy for you to find a PDF Ebooks without any digging. And by having access to our ebooks online or by storing it on your
More informationCEDARBOARDS INSULATED SIDING CERTAINTEED CORPORATION LIFETIME LIMITED
CEDARBOARDS INSULATED SIDING CERTAINTEED CORPORATION LIFETIME LIMITED WARRANTY CONGRATULATIONS! and thank you for your recent purchase of one of the fine siding products from CertainTeed. You can feel
More informationSTAINMASTER CARPET. Limited Warranties
STAINMASTER CARPET Limited Warranties Index Consumer Limited Warranties Claim Information...2 General Terms And Conditions...4-6 Food & Drink Stain Resistance Limited Warranty...7 Dry Soil Resistance Limited
More informationUS Social Welfare: Social Security For Disability
US Social Welfare: Social Security For Disability June 5, 1 Dr. Edward Yardeni 51-97-73 eyardeni@ Mali Quintana --1333 aquintana@ Please visit our sites at www. blog. thinking outside the box Table Of
More informationYour future is in your hands.
Saving today. Planning for tomorrow. Your future is in your hands. We always look for innovative ways to improve the value of plan participation in the State of Michigan 401(k) and 457 Plans ( Plans ).
More informationPersonal Credit Cards
Client Notice Personal Credit Cards > Changes to the Cashback rules > Changes to the Cardholder agreement Effective July 9, 2018 At National Bank, our priority is helping you choose solutions geared to
More informationSTART HERE. Small Business Retirement Plans. Prospecting Guide to. American National Insurance Company
American National Insurance Company START HERE Prospecting Guide to Small Business Retirement Plans 1 Getting Started Every business owner needs a plan for retirement. 2 WHY? They work hard to make their
More informationHow to Identify and Maximize Insurance Claims on Roofing Projects by Utilizing the AWS Lead Campaign to its Fullest
How to Identify and Maximize Insurance Claims on Roofing Projects by Utilizing the AWS Lead Campaign to its Fullest By Bobby Norrell of Casualty Consulting Group of America, Inc. Casualty Consulting Group
More informationTerms of Use. Effective date: October 2, 2018
PLEASE NOTE THAT YOUR USE OF AND ACCESS TO OUR SERVICES (DEFINED BELOW) ARE SUBJECT TO THE FOLLOWING TERMS; IF YOU DO NOT AGREE TO ALL OF THE FOLLOWING, YOU MAY NOT USE OR ACCESS THE SERVICES IN ANY MANNER.
More informationTAKE ADVANTAGE WITH RAPID APP IPDF PROGRAM GUIDE INDIVIDUAL MARKETS PROGRAM DEVELOPMENT AND ANALYTICS PROGRAM INFORMATION GUIDE
TAKE ADVANTAGE WITH RAPID APP IPDF PROGRAM GUIDE INDIVIDUAL MARKETS PROGRAM DEVELOPMENT AND ANALYTICS PROGRAM INFORMATION GUIDE SCAN HERE FOR A DIGITAL VERSION OF THIS DOCUMENT. HOME FUNCTIONALITY Clickable
More informationOne-Year Point-to-Point Interest Crediting Strategy
S&P 500 Index One-Year Point-to-Point Interest Crediting Strategy For fixed index annuities A fixed index annuity (FIA) may be part of an appropriate strategy to help you retire on your own terms. FIAs
More informationMyRetirement Program Guide
MyRetirement Guide Mercy has created one new retirement program for all co-workers, called MyRetirement to support your financial well-being. This guide is designed to help you understand what your retirement
More informationDUAL COMMERCIAL ROOFING SUPPLEMENT
DUAL COMMERCIAL ROOFING SUPPLEMENT Applicant s Name: Mailing Address: Locations: Years in business: Years experience: Description of Roofing Operations: 1. DESCRIPTION OF OPERATIONS What percent of your
More informationROOFING SUPPLEMENTAL APPLICATION
ROOFING SUPPLEMENTAL APPLICATION Applicant s Name: Mailing Address: Locations: 1 2 3 4 5 6 Description of Roofing Operations: 1. DESCRIPTION OF OPERATIONS What percent of your work is residential (homes,
More informationWelcome to the CenterPoint Energy Savings Plan
Welcome to the CenterPoint Energy Savings Plan Quick Guide The CenterPoint Energy Savings Plan is a valuable benefit designed to help support your retirement savings strategy. This guide provides highlights
More informationFrequently Asked Questions
Frequently Asked Questions About a Tax-Free Savings Account (TFSA) What is a TFSA? What does it offer? What are the advantages of the Shaw TFSA? Are contributions to a TFSA tax deductible? What are the
More informationINTRODUCING THE HSBC HK EASY INVEST APP
News Release 20 October 2017 INTRODUCING THE HSBC HK EASY INVEST APP ***An innovative stock trading app in Hong Kong with tradable and interactive charts, personalised news and other new and smart features***
More information25296Z REV PrimePath 9 Fixed Index Annuity
25296Z REV 3-18 PrimePath 9 Fixed Index Annuity Your PrimePath 9 to Retirement Planning for retirement can be overwhelming will I have enough to retire? How much is enough? How much longer will I need
More informationMAPPING THE ENERGY EFFICIENCY PROGRAM INDUSTRY
MAPPING THE ENERGY EFFICIENCY PROGRAM INDUSTRY CEE ANNUAL INDUSTRY REPORT 2016 EFFICIENCY EXPENDITURES STABLE CEE incorporated data from 321 utility and nonutility program administrators operating efficiency
More information